Real Estate 01/04/15

RealEstate Sunday, January 4, 2015

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Kevin Patterson Achieved $40 Million in Residential Sales in 2014!

SOLD

1623 Rockview Trail - Land

SOLD

3786 Hill Circle - Land

SOLD

SOLD

9742 Pinedale Drive - Land

SOLD

9763 Pinedale Drive - Land

SOLD

5202 Kissing Camels Drive C3

5210 Kissing Camels Drive E3

SOLD

SOLD

1060 Hill Circle

SOLD

2702 La Vista Point

SOLD

1428 N. Franklin Street

SOLD

1078 Hill Circle

SOLD

726 Count Pourtales Drive

SOLD

1497 Smoochers Circle

SOLD

SOLD

SOLD

2597 Stagsleap Point - Land

9863 Pinedale Drive - Land

SOLD

SOLD

2973 Mesa Road, #D

SOLD

4705 Falls Church Road

SOLD

111 Miramar Drive

SOLD

5204 Kissing Camels Drive A7

SOLD

SOLD

SOLD

SOLD

5206 Kissing Camels Drive B5

3870 Camels Ridge Lane

SOLD

3010 Shadybrook Lane

SOLD

SOLD

SOLD

SOLD

SOLD

SOLD

SOLD

SOLD

SOLD

SOLD

1 Marland Road

9811 Highland Glen Place

SOLD

SOLD

3720 Camels View

3665 Camels View

3655 Camels View

SOLD

25 Broadmoor Avenue

SOLD

SOLD

2520 Talleson Court

SOLD

SOLD

5720 Harbor Pines Point

SOLD

1623 Rockview Trail

1256 Hill Circle

2756 Rigel Drive

26 Red Wing Terrace

2565 Stagsleap Point

5100 Lyda Lane

1068 Hill Circle

2685 Alder Point

3015 Shadybrook Lane

1543 Smoochers Circle

SOLD

518 Aspen Drive

5770 Harbor Pines Point

610 N. Bear Paw Lane

SOLD

3780 Hill Circle - Land

715 Paisley Drive

3487 Hill Circle

SOLD

1544 Smoochers Circle

SOLD

5120 Lyda Lane

4220 Reserve Point

SOLD

SOLD

3708 Camelrock View

3695 Hill Circle

A Heartfelt Thank You to our great team at The Patterson Group, the buyers, the sellers, vendor partners and the cooperating agents who were part of these transactions.

Best Wishes for a Successful 2015.

Kevin Patterson

2SH

The Gazette · springshouses.com

Sunday, Jan 4, 2015

BuildingPermits The figures quoted here are based on the weekly printout from the Regional Building Department. Not all permit data are shown. Prices include labor and materials and do not reflect lot price, utility tap fees, or other expenses. The following covers Dec. 20 – 26, 2014.

SINGLE FAMILY HOMES

• 600 Spruce St. $283,120 Marc Bldrs., Inc. • 6602 Dance Hall Ln. $235,790 Elite Prop. Of Amer., Inc. • 6761 Mustang Rim Dr. $527,369 Elite Prop.

Of Amer., Inc. • 5929 Brave Eagle Dr. $498,564 Elite Prop.

Of Amer., Inc. • 15874 Kansas Pacific Ct. $561,420 Elite Prop. Of Amer., Inc. • 10664 Abrams Dr. $465,263 Reunion Homes • 4375 New Santa Fe Trl. $457,232 Keller Homes Inc. • 5950 Traditions Dr. $375,744 Century Communities • 8373 Needle Drop Ct. $238,253 Challenger Homes, Inc. • 9594 Ghost Flower Ln. $494,388 Challenger Homes, Inc. • 7551 Calm Oasis Pl. $368,569 Challenger Homes, Inc. • 7521 Calm Oasis Pl. $415,899 Challenger Homes, Inc. • 7531 Calm Oasis Pl. $292,435 Challenger Homes, Inc. • 7541 Calm Oasis Pl. $382,490 Challenger Homes, Inc. • 896 Black Arrow Dr. $432,924 Challenger

Homes, Inc. • 5576 Sunrise Mesa Dr. $382,169 Ron Covington Homes • 2749 Park Crest Ct. $299,503 Pbp Const.

TOWNHOMES

• 5330 Prominence Pt. $183,321 Century Communities • 5336 Prominence Pt. $182,786 Century Communities • 5342 Prominence Pt. $183,321 Century Communities • 5348 Prominence Pt. $182,786 Century Communities

MOBILE HOMES • 5102 Galley Rd 235a, $5,000 Seeger Homes, Inc.

RESIDENTIAL ALTERATIONS

• 755 Marlstone Pl. $3,000 Priority Rest., Llc., Reroof • 3540 Windjammer Dr. $9,900 On Top Roofing & Rest., Reroof • 4635 Burke Pl. $4,100 All Phase Roofing, Inc., Reroof • 2805 Clarendon Dr. $3,500 All Phase Roofing, Inc., Reroof • 8105 Celestial Ln. $2,500 Holladay Grace Roofing, Inc., Reroof • 8135 Celestial Ln. $2,500 Holladay Grace Roofing, Inc., Reroof • 314 E Las Vegas St. $7,000 Empire Roofing Systs., Inc., Reroof • 1432 Wood Ave. $14,475 Advantage Roofvialpando, Inc., Reroof • 305 Holbrook St. $17,867 Homeowner, Bsmt. Finish Partial

springshouses .com • 6870 Park Ave. $25,000 Penman Constr & Prop. Inc, Dormer Addn. / New Roof / int.

Remod.

• 886 Badger Dr. $5,000 Ace Const. & Exts., Reroof • 231 Blue Sun Pl. $9,000 Finish Line Const., Reroof • 305 Laclede Ave. $5,000 Homeowner, Reroof • 805 S Hancock Ave. $2,500 Master Roofing Co, Llc., Reroof • 25 Reno Scotty Ter. $29,528 Old World Const., Inc, Reroof • 1038 Bowstring Rd, $3,700 Creekside Cstm.

Decks, Deck • 226 N Prospect St. $3,200 Properkey, Reroof • 224 N Prospect St. $3,200 Properkey, Reroof • 1551 Chesham Cir, $28,796 Brentwood Homes, Inc., Bsmt. Finish • 153 Ely St. $500 Homeowner, Int. Remod.

• 107 Easy St. $5,549 Western Roofing Specs., Reroof • 92 Everett Dr. $6,000 JJ Const. & Roofing Llc., Reroof • 1012 Saturn Dr. $5,659 Faver Roofing, Reroof • 5974 Monashee Ct. $19,082 Vanguard Homes Corp., Bsmt. Finish • 2725 Sunbird Dr. $6,000 Brian Pierce Roofing, Reroof • 1130 Palmer Park Blvd. $8,500 Brian Pierce Roofing, Reroof • 608 N Walnut St. $3,000 Priority Rest.,Llc., Reroof • 1725 Smoke Ridge Dr. $55,000 Bear Creek Design/build, Llc., Int. Remod. And Lift • 1604 Wood Ave. $14,000 Trafton Roofing & Repair Svc, Reroof • 726 Duclo Ave, $2,144 Western Roofing Specs., Reroof

• 8415 Sutterfield Dr. $8,406 Western Roofing Specs., Reroof • 3217 Leslie Dr. $8,600 Brian Pierce Roofing, Reroof • 3225 Birnamwood Dr. $6,500 Just Roof It Llc., Reroof • 16190 Hobson Pl. $5,000 Kingdom Const., Patio Cover • 1506 N Chelton Rd, $4,500 Timberline Roofing & Const., Reroof • 4257 Ashby Field Dr. $16,913 Homeowner, Bsmt. Finish • 1470 Almagre Peak Dr. $4,111 Kuck Co., Deck • 7255 Juniper Dr. $5,500 Western Fireplace Supply Inc, Woodstove • 2217 N Franklin St. $4,200 Trafton Roofing & Repair Svc, Reroof • 651 Manitou Blvd. $4,100 Trafton Roofing & Repair Svc, Reroof • 1318 E Willamette Ave. $15,000 Innova Corp., Reroof • 17040 Mitchell Ave. $18,600 Kurt Ehrhardt Const. Inc, Addn. to garage • 4465 Tierra Rojo Dr. $67,200 Homeowner, Pv Solar Ground Mount • 2105 Rockhurst Blvd. $10,239 Homeowner, Deck • 4996 Ardley Dr. $5,000 All Phase Roofing, Inc., Reroof • 1499 W Costilla St. $14,080 Homeowner, Bsmt. Finish • 1566 Chutney Ct. $16,971 Homeowner, Bsmt. Finish • 6553 Andretti Ct. $500 Homeowner, Bsmt.

Remod.

• 5120 Derby Dr. $6,750 Old World Const., Inc, Reroof • 1325 W Kiowa St. $5,600 Brian Pierce Roofing, Reroof • 7129 Hillbeck Dr. $10,000 Prime Cos. Inc Dba Pci Const. Svcs, Reroof

• 5247 Prairie Grass Ln. $7,000 Prime Cos. Inc Dba Pci Const. Svcs, Reroof • 931 Tari Dr. $8,165 Continental Roofing, Reroof • 1724 N Franklin St. $4,250 Handyman Connection, New Ramp • 1601 S Wahsatch Ave. $11,300 Trafton Roofing & Repair Svc, Reroof • 1115 N Wahsatch Ave. $13,400 Trafton Roofing & Repair Svc, Reroof • 14165 Ponderosa Rd, $15,000 Dynamic Spaces, Llc., Int. Remod.

• 217 Everett Dr. $3,137 Handyman Connection, Floor Support • 512 Argus Dr. $8,456 Total Roofing, Reroof • 2057 Killdeer Ct. $7,283 Total Roofing, Reroof • 5327 Butterfield Dr. $4,750 Thatsmyroofer. com, Reroof • 105 Gardner Pl. $1,200 Elemental by Design, Bsmt. Remod.

• 5135 Quill Dr. $4,300 A & K Roofing & Gutters, Reroof • 2474 Cinnabar Rd, $23,500 Advanced Exts., Inc, Reroof • 818 E Columbia St. $9,000 Homeowner, Reroof • 14235 E Coachman Dr. $43,888 Double Diamond Homes, Inc., Bsmt. Finish • 6948 Maram Way, $11,000 Empire Roofing Systs., Inc., Reroof

RESIDENTIAL GARAGES AND CARPORTS

• 2218 Alpine Dr. $11,829 Homeowner, Det. Garage

The number of Americans signing contracts to buy homes rose modestly in November as a strengthening economy helped nudge some would-be homebuyers. AP Photo/Richard Vogel, File

US pending home climb slightly in November

BY TOMOKO A. HOSAKA  THE ASSOCIATED PRESS

WASHINGTON — The number of Americans signing contracts to buy homes rose modestly in November as a strengthening economy helped nudge some would-be homebuyers.

The National Association of Realtors said Wednesday that its seasonally adjusted pending home sales index climbed 0.8 percent the past month to 104.8 from a revised 104 in October.

The index remains slightly below its 2013 average but is 4.1 percent higher than last November.

Pending sales are a barometer of future purchases. A one- to two-month

lag usually exists between a contract and a completed sale. The number of contract signings increased in the Northeast, South and West last month, while declining in the Midwest.

“Home sales activity will likely continue to be uninspiring in the months ahead,” Laura Rosner, an economist at BNP Paribas, said in a research note to clients.

Housing has struggled to fully rebound since the recession ended more than five years ago. Many potential buyers lack the savings and strong credit history needed to

afford a home, causing them to rent or remain in their existing houses instead of upgrading. Higher home prices and relatively stagnant incomes have also curtailed buying.

Separate NAR data last week showed that sales of existing homes fell 6.1 percent in November to the slowest pace in six months, The Commerce Department said last week that new home sales slid 1.6 percent in November to a seasonally adjusted annual rate of 438,000.

That remains significantly below the annual rate of 700,000 seen during

the 1990s.

The recent decline in mortgage rates has yet to significantly spur more buyers into the market. At the same time, there are fewer distressed properties and bargains coming onto the market that attract investors as buyers.

NAR estimates that 2014 sales will end up below 2013 levels. The trade group forecasts that 4.94 million existing homes will be sold this year, down 3 percent from 5.09 million in 2013. Analysts say sales of roughly 5.5 million existing homes are common

in a healthy real estate market.

Hopes are higher for the new year.

In 2015, the group expects sales of existing homes to jump to 5.3 million.

The U.S. economy has generated 2.65 million new jobs so far this year, and the unemployment rate has dropped to 5.8 percent from 6.7 percent at the start of 2014. Buying could also be helped by average 30year mortgage rates staying close to a 19-month low. Rates nationwide averaged 3.87 percent this week, according to the mortgage company Freddie Mac. 

Sunday, Jan 4, 2015

The Gazette · springshouses.com

SH 3

INDUSTRY VOICES:

Determining how much to offer on a house

BY STUART SCOTT  BROKER, STUART SCOTT LTD GROUP, ERA SHIELDS

You may recall my previous column where I addressed an often asked question, “How do I price my house for sale?” Today, let’s talk about the best way to determine how much to offer on a house that you want to make your HOME. My first advice: go slowly as you can while you’re looking for a house, then move as quickly as you can when you find it.

Chances are your home search will involve looking at a lot of homes you don’t love. So, be ready to move quickly so you don’t lose the home you do love.

When I wrote about selling your house, I

shared that you’re really in luck. Thanks to a straight up-curve in your access to real estate information, your agent can set you up so that every time a home is listed in MLS, it’s PING! You’ve got a new listing that might be HOME! Give your agent a broad range of criteria she can apply to your search. Start with a wide price range, maybe a tad more than you’ll pay. The average difference between asking and selling price in Colorado Springs is about 3%, though you may be ignoring averages. You know, the asking price is a mythical beast determined by the seller and

the broker. It could be high, could be low, it could be just right.

Then give your minimums; like bedrooms, baths, garages, lot size, etc.

Talk about have-to-haves (like brick construction or mountain view). Talk about fatal flaws, like busy streets, or no bedroom on the main level. Your high tech approach will yield listings that fit the criteria. If there are too many listings, tighten up the criteria. If you’re not getting enough, don’t be so picky.

While you’re at it, don’t forget the magic of low tech. Drive through neighborhoods

THE MORTGAGE PROFESSOR:

Does is matter which day your mortgage closes?

BY JACK GUTTENTAG  THE MORTGAGE PROFESSOR

Does is matter which day of the month your mortgage closes?

In general, on a purchase transaction it doesn’t, but it may on a refinance.

On a purchase transaction, you should select the closing date as close as possible to your moving date, regardless of the day of the month that is. There is no financial advantage in closing on any day of the month, as compared to any other day.

The interest clock on your loan starts ticking on the closing date, because the lender expects to be paid beginning the day the funds are disbursed. There is no point in paying interest before you are prepared to move.

The first payment on a home loan is always due on the first day of a month, and always includes interest for a full month. Since loans may close anytime within the month, there is always an interest adjustment at closing based on the exact closing date. This is called “per diem interest”.

If you close on July 29, for example, you pay interest at closing covering July 30, 31 and Aug. 1. Your first monthly payment is due Sept. 1. So at closing you pay interest for the last 3 days of July, and the first monthly payment due on Sept. 1 pays the interest for the full month of August.

If you close the first week of July say July 3, the lender may give you a choice.

You can pay interest at closing for 29

days, with the first regular payment due Sept. 1. The cash required at closing would be higher than if you closed in late September, but the first payment would be pushed out almost a month.

Alternatively, you can close July 3 and receive an interest credit at closing for three days, with the first monthly payment due Aug. 1. The cash required at closing would be lower in this case.

But you would pay a full months interest on Aug. 1, even though you did not have the loan for a full month.

Bottom line, on a purchase transaction, there is no financial advantage in closing on any one day of the month compared to any other, so set the closing for the day you want access to the house.

In principle, refinancing should work in the same way as a purchase. If you close a refinance on the 3rd of the month, for example, you should pay per diem interest for three days to the old lender, and for 28 days to the new lender. Unfortunately, because of glitches in the system, it doesn’t work out that way. Borrowers often are charged interest by both lenders for one day, and sometimes two or three.

The major reason seems to be that the funds don’t move directly from the new lender to the old lender. They are held by an intermediary until the new documents have been recorded, and that process takes time. Because

recording offices are usually closed on the weekend, borrowers who close on a Friday are especially likely to pay double interest for several days. So don’t close on a Friday if you can avoid it.

In addition, since its inception, FHA has required that interest be paid for a full month on refinanced loans, regardless of when during the month the refinanced loan is paid off. Those refinancing out of an FHA, therefore, had an incentive to try to close as near to the end of the month as possible.

However, this crazy rule is finally being changed and will not apply to loans closed after Jan. 21, 2015.

IS SELLER FINANCING A WAY TO BUY CHEAP? “The seller of a house in which we are interested is offering it at a good price, taking back a 70 percent mortgage if we put down 30 percent. Are there any special risks in such a deal?”

Many. The seller offering to finance a sale is probably unable to sell in any other way. Perhaps she does not have good title, or there may be a lien on the house that she cannot repay.

I would run like a thief if offered such a deal, because legal complications are the last thing I want when buying a house. However, if you are determined to pursue it, retain a real estate lawyer as your first step, recognizing that it may also be your last step. 

you like, let your friends know you’re looking and check the local papers.

PRESTO! One day your house is all atwitter. Your broker has sent you a listing with all the pictures and details. You call her that day; you see it, you LOVE IT! Share with your broker that you think you’re in love, and ask her to do a market analysis. If she were to put the house on the market, what would the list price be? She has access to tons of information she can share with you. You can get together and decide what value is.

Wait! What the heck is value? The

analysis will tell you what homes like your favorite have sold for. But that value may be much different than the value of the home to YOU. If you’ve seen quite a few places that came close to what you want and you’re patient, value to you might be quite a bit less than its value in the market. You definitely want to make a good investment, but this is your HOME for goodness sakes.

If you’ve been looking for months and this is the first one you love, it may be worth quite a bit more than it’s indicated value. If you LOVE it, make an offer in a hurry, tie it up, and start placing your furniture. 

4SH

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The Gazette 路 springshouses.com

Sunday, Jan 4, 2015

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The Gazette · springshouses.com

Sunday, Jan 4, 2015

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FEATURE:

It’s 2015.

Does your job still deserve you?

BY LIZ RYAN  FORBES

Remember when you were very young, and your thoughts about working went this way?

“I hope I do my job correctly!”

“I hope my boss is happy with me!”

“I hope I don’t mess anything up, and embarrass myself!”

It takes time to feel comfortable at work. Years go by, and then one day something startles us out of our stupor, and we start asking different questions: “Am I learning anything new in this job?”

“Do the leaders of this company understand what I do for them, and value it?”

“Wait a second — does this job still deserve my talents?”

Now that a new year is on top of us, these are great questions to ask.

Your job only deserves you if your resume and your flame are growing every day. Your resume grows when you accumulate new experiences and grow new muscles that you get to keep forever. Your flame grows when you feel good about yourself, and that’s hard to do when you’re pushing a rock uphill every day at work.

If your boss and the other people you work for don’t get your brand of jazz, then your job definitely doesn’t deserve

you. You’re wasting your talents, in that case. You might think “Yeah, but at least this job is secure.”

Is it? How would you know? Unless you have an employment contract that will pay your bills should the company suddenly realize that it no longer requires your services, your job is not secure at all. These days, the best job security we can have is the kind we carry around with us — our own marketability. That doesn’t grow when you’re doing the same things over and over.

Your marketability increases when you learn something new every week or every month at work, and when your spirit grows because you’re working among people who like you and understand how you roll — and vice versa.

If your job doesn’t meet those requirements, you may be squandering your gifts. Every day in our office we hear from people who say “It suddenly hit me that my boss has almost no idea of what I contribute. He couldn’t do my job if he had to. He doesn’t have a clue about what I do for our customers. So how could he possibly value my work appropriately, much less serve as a mentor to me or a guide on my path?”

The reality of the new-millennium workplace is that we are more likely to grow our muscles and increase our income by changing jobs than by staying put.

If your job no longer deserves what you bring to it, now is a great time to start planning for a 2015 job search.

You can conduct your job search while you’re working at your current job.

Launching and completing a stealth job search is the must-have professional skill that all of us need to cultivate!

You don’t have to go crazy and send out forty or fifty resumes at once. As a matter of fact, that approach is not likely to be successful for you. As in any design process, the more time you spend up front thinking about what you want in a new job, the easier the rest of your job search will be.

Don’t start lobbing resumes into faceless Black Hole recruiting portals.

Those things don’t work, and as an employed job-seeker, you are a hiring manager’s favorite type of candidate anyway.

(That is a sad but true aspect of job-hunting in 2015 — but things are getting better. Faced with massive talent shortages, more and more employers are realizing that people

who aren’t working right now make wonderful employees, no less than people who are already working. Seems obvious, but corporate and institutional leaders can be slow to spot obvious realities like this one.)

Rather than submitting online job applications and waiting for eons to hear nothing back — or to get a terse, oneline auto-responder that tells you your materials have been received, and tells you to wait to hear back for as long as it takes, perhaps decades) you can reach out to hiring managers directly.

You can research every organization you are interested in approaching.

You can learn who your specific hiring manager is in each organization.

Unless you’re looking for a job in HR, you can avoid the HR department altogether! If you’re an HR person, don’t be miffed. I’m an HR person myself, and that’s why I know that the current keyword-based recruiting process is as broken as it could be.

So, is 2015 the year you launch your under-the-radar job search? Here are some questions to ask yourself as you ponder that issue.

What did I learn on the job in 2014?

If I pull up my resume now and look

at it, what new stories and triumphs can I add to it?

If you don’t have new resume fodder from 2014 (or any year) that’s a sign that your path lies elsewhere.

What kinds of recognition or acknowledgement did I get in 2014 about my efforts on behalf of my employer?

Money is only one kind of recognition.

You have to be paid fairly — otherwise your job does not deserve you! Apart from the money, do your higher-ups tell you when you’ve done a great job?

Is your manager happy to share the limelight with you when you’ve made a special effort? If not, there are people way more deserving of your talents than the people you work for now.

Do I see a forward path at my current job, one that excites me and gives me confidence that the upcoming year will grow my flame and give me lots of new resume juice in 2015?

If the answer is “Not really,” why stick around? The world is big. There are exciting projects going on all around us.

Why not find one that lights your flame and jump into it?

Sunday, Jan 4, 2015

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